Would you be so kind to provide clarification on how a user can make a transfer from their account to another user's account using sms please?

In Cyclos 3.7 for example the following message format worked quite well for our system: Pay [Pin] [Mobile] [Amount]

Where;
Pay: is the command
[Pin]: is the senders PIN to authenticate the transaction
[Mobile]: is the value of the designated mobile payment field in the receivers' user profile
[Amount]: is the amount being transferred from the sender to the receiver.